Side-by-side · Q2 2026 data
Eco Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Eco Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 68 (stronger) | 52 |
| Loan quality | 71 | 71 |
| Earnings | 47 | 47 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 92 (stronger) | 82 |
| Peer percentile | 57th | 29th |
| Total assets | $195.1M | $183.7M |
| Deposits / shares | $179.7M | $165.8M |
| Capital ratio | 11.78% (stronger) | 10.18% |
| Problem loans | 0.86% (stronger) | 0.88% |
| Net charge-offs | 0.28% (stronger) | 0.43% |
| Return on assets | 0.66% | 0.68% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 79.6% |
| Uninsured deposits | 3.7% | 2.8% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 18.0% |
Eco Credit Union has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Eco Credit Union leads on 5 and Heritage South Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.